Implying I want to be half a mil in debt for a apartment instead of just... going to the office

I was just giving an illustration of how it is, in one of the most skewed markets for engineer income to house price ratio.

I said if you don't have to live centrally, you can put that money into a bigger house, and it pays significantly more (double the number of bedrooms, not just dedicated office space).

You dont want to do that? thats fine, but you cant pretend that its materially more expensive to have a home office if suddenly you are not geolocked.

>if suddenly you are not geolocked.

But we all are geolocked to some extent or can you just pack up your family and announce that you are moving to Ghana because you found cheap house there? Probably not.

Of course I could take on debt and buy a bigger apartment - probably even from the same building complex - but that feels like insane solution to "going to office every week" unless again you live in America where your commute is 8 hour drive through wild gang lands where you have to be vigilant 24/7 just not to get shot.

Half a mil will buy you a decent house outside of London and very little within it.

Of course that only works if you can work from home for a London based tech company.

From my own experience, I'm very grateful to be able to do that from my home office in the UK, outside of London. I hate long commutes or living in big cities.